Pricing Log in Create free account

J and Friends Holdings Limited - Sponsored ADR (JF) vs Yirendai Ltd. (YRD)

J and Friends Holdings Limited - Sponsored ADR and Yirendai Ltd. are both Credit Services companies. Yirendai Ltd. is the larger, with a market value of $31.7M against $15.7M — 2.0× the size. Yirendai Ltd. grew revenue faster over the last twelve months: −24.5% against −79.5%. Yirendai Ltd. has the higher net margin (−33.5% vs −132.5%) and the lower return on invested capital (−19.3% vs 0.00%). Across the 16 metrics below, J and Friends Holdings Limited - Sponsored ADR leads on 10 and Yirendai Ltd. on 6.

Valuation

Metric JF YRD Credit Services median
P/E n/m n/m 8.96
P/S 0.06 0.05 1.00
P/B n/m 0.03 1.23
Price to free cash flow n/m n/m 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (12.90%) (697.22%) 7.17%
Free cash flow yield 0.00% (305.88%) 11.75%

Profitability

Metric JF YRD Credit Services median
Gross margin 0.00% 81.85% 76.61%
Operating margin 0.00% (36.38%) 0.34%
Net margin (132.54%) (33.54%) 8.35%
Free cash flow margin 0.00% (14.04%) 8.73%
Return on equity 0.00% (17.77%) 9.05%
Return on assets 0.00% (12.46%) 1.94%
Return on invested capital 0.00% (19.34%) 4.56%

Growth

Metric JF YRD Credit Services median
Revenue growth (TTM) (79.50%) (24.50%) 4.49%
EPS growth (last fiscal year) 38.46% (98.20%) 21.94%
Revenue growth, 5-year CAGR (51.24%) 6.14% 9.22%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric JF YRD Credit Services median
Debt to equity (0.01) 0.00 0.69
Current ratio 0.18 3.26 1.26
Net debt to EBITDA (0.76) 22.78 0.11

Dividend

Metric JF YRD Credit Services median
Dividend yield — 0.00% 1.64%
Payout ratio — — 0.21

Size

Metric JF YRD Credit Services median
Market cap 15.67m 31.65m 759.73m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack